Welcome to our retirement guide: ‘Thinking about Retirement’.

Over the past couple of years, or so, a retirement revolution has taken place with the launch of Pension Freedoms, giving you unprecedented flexibility in how you take money from your pension pot.

Whilst Pension Freedoms will benefit many people when they retire, it frankly only adds to the bewildering range of options you have at retirement.

The guide is free and tells you all you need to know about the options you have with your pension.

You can download the guide, by clicking to the right, or simply select from the list below the sections of the guide you wish to read.

Pensions Freedom – A summary of the key changes

Pensions Freedom – Key questions answered

Key considerations

Retirement options

Delay taking your pension


Investment Linked Annuity

Fixed Term Annuity

Flexi-Access Drawdown

Uncrystallised Funds Pension Lump Sum (UFPLS)

Purchased Life Annuities

8 Steps to take leading up to retirement

Bev Stoves & Sarah McCarthy, Independent Financial Advisers, Investment SenseWe’re here to help

Our team of Independent Financial Advisers in are experienced in developing retirement income strategies for clients the length and breadth of the UK.

If you are approaching retirement and would like advice on your options call one of our IFAs today on 0115 933 8433, alternatively enquire online or email info@investmentsense.co.uk

What do our clients say about us?

“I have to say that with all the negative press on pensions in the last month – from excessive charges to low annuity rates – it has been a pleasure dealing with you.”

“It was good to get such better treatment after bad experience with previous adviser. My history and needs are quite complex so it was good to be treated so sensitively.”

“A potentially worrying situation made easy, painless and satisfactory. Many, many thanks to Bev.”

“I have every confidence in Mrs Bev Stoves.”

“Sarah, Thank you so very much for all your help. What should I do without you to sort my affairs out? I am very grateful.”

“I found Beverley to be extremely prompt and accurate with the information and advice she supplied.”

“Very good service from start to finish, would recommend you anytime.”

“Starting from the information on your website the advice and team was great. Simple to understand from your articles and case studies. Sarah was most helpful and made complex matters concise and simple to understand in our conversations. Her recommended contacts she gave were most helpful. We would not have got our SIPP all done and made our investment without Sarah’s help.”

“We have been very happy with the service. Our adviser has always spent time with us and we have never felt rushed.”

“I cannot see how anyone could have been more helpful.”

“Throughout the entire process I was impressed with the communication. Easy to understand format with clear and concise explanations. Much easier than I anticipated.”